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Hi Serious,

No matter you are buying BTO or resale flat now, 5 years MOP is applicable. Unless you fulfilled the MOP, if not you are not eligible to buy any private property.

If you want to purchase a private property after fulfilling MOP, you are eligible to take bank loan up to 80% of the valuation or purchase price provided you dont have any outstanding housing loan.

Your qns 3 to 5 are not applicable as what I had explained above.

Hope I answer your doubts, If you need more clarifications, feel free to contact me or call the HDB hotline @ 1800 866 3066.

Warmest Regards,
YT Tan
ECG Property
Mobile: (+65) 9111 5171 
Email: yt.lovelyhomes@gmail.com Read More

Hi Serious,

1. Yes, MOP of 5 yrs is applicable.

2. No, you cannot buy private property within the MOP. After 5 yrs, yes. If after you sold your EC, and no outstanding loan, you can get 80% loan.

3. You are not allow to buy any private within MOP. The sales transaction won't go through.

4. If you want to hold Resale HDB and Private at the same time, your sequences must be correct. Own HDB first, after fulfill the 5 yrs MOP, buy private. In this way, then you can hold both units.

5. You can't sell. Because your application to HDB for appointment date will be rejected from the beginning.

Please feel free to drop me an email or call me directly for a non-obligation discussion, if you still have further questions. Alternatively, we can also meet up to discuss
at your convenient time and place.

Thank you & Best Regards
J.A.Goh
HP: 9639 0350 
ERA Senior Marketing Director
CEA Reg No. R025894Z
CEA License No. L3002382K
www.gohjaERA.myweb.sg
Email: gohja@singnet.com.sg Read More